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France: Scheme & Network Compliance

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France's domestic card scheme is Cartes Bancaires (CB), governed by Groupement des Cartes Bancaires CB (est. 1984), accounting for over 65% of household card spend; >95% of CB cards are co-badged with Visa or Mastercard, enabling routing choice domestically (CB) vs internationally (Visa/MC). Interchange is capped by the EU Interchange Fee Regulation (Reg. 2015/751: 0.2% debit / 0.3% credit). PCI DSS and 3D Secure / SCA are mandatory for card acceptance.

Standing sub-brief · as of 26 June 2026176 words · last cycle 2026-06-23

Scheme & Network Compliance

Cartes Bancaires CB, established in 1984, is the leading French payment brand, with over 65% of household consumption paid by CB card; more than 95% of French cards are co-badged with Visa or Mastercard, enabling a choice between domestic CB routing and international scheme routing. CB does not support commercial-dispute or merchant-led fraud contestation, and PCI DSS and 3D Secure are mandatory. Co-badging and routing choice define merchant economics and acceptance strategy in France, and CB's no-commercial-dispute design differs materially from the international schemes.

no periodic updates on record for this sub-brief

Sources and findings (4)
  1. T1https://www.pcisecuritystandards.org/about_us/principal-participating-organizations/cartes-bancaires/retrieved
  2. T3https://knowledge.antom.com/cartes-bancaires-explained-what-global-merchants-need-to-knowretrieved
  3. T3https://stripe.com/resources/more/cartes-bancaires-an-in-depth-guideretrieved
  4. T3https://www.lexology.com/library/detail.aspx?g=43e97180-d767-4eaf-966f-963646cb80b4retrieved